Pengaruh Literasi Keuangan Syariah, Lingkungan Sosial, Dan Religiositas Terhadap Minat Santri Generasi Z Kecamatan Kajen Menjadi Nasabah Bank Syariah

Rosyada, Amrina (2026) Pengaruh Literasi Keuangan Syariah, Lingkungan Sosial, Dan Religiositas Terhadap Minat Santri Generasi Z Kecamatan Kajen Menjadi Nasabah Bank Syariah. Undergraduate Thesis thesis, UIN. K. H. Abdurrahman Wahid Pekalongan.

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Abstract

Penelitian ini dilatarbelakangi oleh masih rendahnya penggunaan layanan perbankan syariah di kalangan masyarakat muslim, termasuk santri, meskipun mereka memiliki latar belakang pendidikan agama yang kuat. Kondisi tersebut menunjukkan adanya kesenjangan antara pemahaman nilai-nilai syariah dengan keputusan dalam menggunakan produk keuangan syariah. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah, lingkungan sosial, dan Religiositas terhadap minat santri Generasi Z menjadi nasabah bank syariah di Pondok Pesantren Kecamatan Kajen, Kabupaten Pekalongan. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian lapangan (field research). Populasi penelitian berjumlah 341 santri yang berasal dari lima pondok pesantren, sedangkan sampel sebanyak 77 responden ditentukan menggunakan rumus Slovin dengan teknik proportional random sampling. Data dikumpulkan melalui penyebaran kuesioner dan dianalisis menggunakan program SPSS versi 26 melalui uji validitas, uji reliabilitas, uji asumsi klasik, analisis regresi linier berganda, uji t, uji F, dan koefisien determinasi. Hasil penelitian menunjukkan bahwa seluruh instrumen penelitian valid dan reliabel, serta model regresi telah memenuhi asumsi klasik, yaitu data berdistribusi normal, tidak terjadi multikolinearitas, dan tidak terdapat gejala heteroskedastisitas. Hasil analisis menunjukkan bahwa secara parsial literasi keuangan syariah dan religiositas berpengaruh positif dan signifikan terhadap minat santri Generasi Z menjadi nasabah bank syariah, sedangkan lingkungan sosial tidak berpengaruh signifikan. Namun, secara simultan literasi keuangan syariah, lingkungan sosial, dan religiositas berpengaruh positif dan signifikan terhadap minat santri Generasi Z menjadi nasabah bank syariah. This study was motivated by the relatively low utilization of Islamic banking services among the Muslim community, including Islamic boarding school students (santri), despite their strong religious educational background. This condition indicates a gap between the understanding of Islamic values and the decision to use Islamic financial products. Therefore, this study aimed to examine the influence of Islamic financial literacy, social environment, and religiosity on the interest of Generation Z santri in becoming customers of Islamic banks at Islamic boarding schools in Kajen District, Pekalongan Regency. This study employed a quantitative approach using a field research design. The population consisted of 341 santri from five Islamic boarding schools, while a sample of 77 respondents was determined using the Slovin formula with a proportional random sampling technique. Data were collected through questionnaires and analyzed using SPSS version 26. The analytical methods included validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-test, F-test, and coefficient of determination (R²). The results showed that all research instruments were valid and reliable, and the regression model satisfied the classical assumption tests, indicating that the data were normally distributed, with no multicollinearity and no heteroscedasticity. The partial regression analysis revealed that Islamic financial literacy and religiosity had a positive and significant effect on Generation Z students' interest in becoming customers of Islamic banks, whereas the social environment had no significant effect. However, simultaneously, Islamic financial literacy, social environment, and religiosity had a positive and significant effect on Generation Z students' interest in becoming customers of Islamic banks

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